When your car breaks down unexpectedly, one of the first questions many drivers ask is, “Will my auto insurance cover this?” Mechanical failures—like a blown transmission, worn-out brakes, or engine trouble—can be expensive to fix, and it’s not always easy to understand what your insurance policy does or doesn’t cover.
While auto insurance is designed to protect you from accidents, theft, and other sudden events, mechanical repairs fall into a different category. Understanding the difference can help you avoid costly surprises and choose the right protection for your vehicle.
This guide breaks down what typical auto insurance covers, what it excludes, and how you can safeguard yourself against major repair bills.
What Standard Auto Insurance Covers
Auto insurance policies are designed primarily to cover unexpected events, not normal wear and tear. Let’s break down the major coverage types and what they include.
1. Liability Insurance
Liability coverage protects other people if you cause an accident. It does not cover repairs to your own vehicle—mechanical or otherwise.
Covers:
- Other drivers’ property damage
- Medical expenses for injuries you cause
Does NOT cover:
- Repairs to your vehicle
- Mechanical issues
2. Collision Insurance
Collision coverage pays for damage to your car caused by an accident.
Covers:
- Hitting another vehicle
- Hitting an object (like a pole, guardrail, or tree)
- Damage from a rollover
Does NOT cover:
- Mechanical failures not caused by a collision
- Wear and tear
If your transmission fails while you’re driving—not because of an accident—collision coverage won’t apply.
3. Comprehensive Insurance
Comprehensive coverage protects your vehicle from non-collision events.
Covers:
- Theft
- Vandalism
- Fire
- Flood
- Falling objects
- Hitting an animal
Does NOT cover:
- Mechanical failures
- Wear and tear
- Aging or deterioration of parts
Even though comprehensive is more inclusive than collision, it still does not cover mechanical breakdowns.
So, Does Auto Insurance Cover Mechanical Repairs?
In most cases, no.
Mechanical repairs caused by routine wear, old age, or poor maintenance are not covered by standard auto insurance.
Examples of non-covered repairs include:
- Transmission failure
- Engine breakdown
- Worn-out brakes
- Broken timing belts
- Electrical system malfunctions
- Failing air conditioning
Auto insurance is meant to cover sudden and accidental events, not ongoing vehicle upkeep.
When Auto Insurance Might Cover Mechanical Repairs
There are some exceptions where your auto insurance may help with mechanical issues—but only when they result from a covered event.
Insurance may cover repairs if:
- Your engine is damaged in a collision
- Flooding destroys internal components
- A fire damages your vehicle’s electrical system
- Vandals cause mechanical damage
In these cases, the mechanical repairs are tied to an insurable incident—not normal failure.
Mechanical Breakdown Insurance (MBI): A Helpful Alternative
If you want protection from costly repair bills, Mechanical Breakdown Insurance (MBI) or an extended warranty can be valuable.
What is MBI?
MBI is similar to a car warranty and covers unexpected mechanical failures not caused by an accident.
Typically covers:
- Engine repairs
- Transmission repairs
- Electrical system problems
- Steering or suspension failures
May NOT cover:
- Routine maintenance
- Wear-and-tear parts (brakes, tires, filters)
- Cosmetic repairs
Not all insurers offer MBI, and availability may vary by vehicle age and mileage.
Extended Warranties: Another Option
Extended warranties (also known as service contracts) can offer repair protection beyond your vehicle’s factory warranty.
Pros:
- Covers many mechanical repairs
- Predictable costs
Cons:
- Can be expensive
- May have limitations or exclusions
- May require using specific repair centers
Be sure to read the fine print before purchasing.
Routine Maintenance Still Matters
Regardless of the type of protection you choose, regular maintenance remains essential.
Examples of non-covered routine maintenance:
- Oil changes
- Brake pad replacements
- Tire rotations
- Fluid changes
Taking care of your vehicle can help prevent major mechanical issues and prolong the life of your car.
Drivers in Hickory, NC often deal with varying weather conditions and seasonal temperature shifts that can place additional strain on vehicle components. Ensuring your car is properly maintained—and knowing what your insurance does and does not cover—can help avoid unexpected repair bills in the Hickory area.
How to Avoid Costly Mechanical Surprises
- Keep up with scheduled maintenance
- Consider Mechanical Breakdown Insurance
- Shop for reputable extended warranties
- Build an emergency repair fund
- Understand your policy exclusions
Being proactive goes a long way in preventing expensive repairs.
Conclusion
Standard auto insurance is designed to protect you from accidents, theft, and unexpected damage—not mechanical failures due to age or wear. Understanding what your insurance covers, and exploring options like Mechanical Breakdown Insurance or extended warranties, can help you prepare for the unexpected and manage repair costs effectively.
Whether you're driving through Hickory, NC, or anywhere else, knowing your coverage details empowers you to make smart, confident decisions about your vehicle’s protection and long-term reliability.
At Freedom Insurance Group, Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get additional information about our products and services by calling our agency at 828-322-7474. Get a free quote today by CLICKING HERE.
Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.